Insurances
Crop insurance
A farmer who received funding directly from the European Union is required to insure at least 50% of cultivation areas for: grain, rapeseed, colza, maize, hops, tobacco, ground vegetables, fruit trees and bushes, strawberries, potatoes, sugar beets, legumes against at least one of the following risks: flood, drought, hail, negative consequences of wintering or spring frost.
According to the laws of Poland, agricultural producers are entitled to subsidies to insurance if they conduct agricultural activities understood as: production, cultivation or farming of agricultural products, including milking, breeding and keeping livestock.
In this case the calculated premium will be decreased by the applicable subsidies from the State Treasury.
The obligation is deemed fulfilled if, starting from the 1st of July of the year succeeding the year for which the farmer received direct payments, at least 50% of crops are covered by insurance for the period of 12 months.
Farmer are entitled to subsidies not only for obligatory insurance, i.e. against the aforementioned risks: flood, droughts, hail, negative consequences of wintering and spring frost, but also for voluntary insurance against such risk as: rainstorm, thunder, hurricane, avalanche, landslide.
The risks concerned and the degree of funding shall be agreed upon by the insurance provider with the State Treasury.
There is a broad list of crops whose insurance is not subsidised, e.g. nurseries, polytunnel/greenhouse crops.
Crops in polytunnels can be insured against such chance events as: hail, hurricane, flood, fire, thunder, explosion, aircraft crash, avalanche, landslide and freezing due to chance events or interruption of heating medium supply.
As a rule, the amount of a premium depends on the size and species of crops, geographic location of fields, soil quality class, insurance sums and subsidy amounts (if applicable).